by Andy Bissett | Jul 20, 2026 | Navigating Industry Challenges, Uncategorised
If you last borrowed money in 2019, the commercial lenders and the commercial lending market you remember doesn’t exist anymore. Base rate sat at 0.75%. Lenders competed primarily on rate. Loan-to-value was the main constraint – get your deposit together...
by Andy Bissett | Jul 16, 2026 | Uncategorised, Navigating Industry Challenges, Updates
A lender asked me last week why any business would pay £60,000 cash for a Range Rover when they could put down a deposit and VAT instead. Fair question. That’s a £60,000 hole in working capital that could be covering payroll, stock, or the next opportunity that...
by Andy Bissett | Jul 3, 2026 | Navigating Industry Challenges, Uncategorised
Two businesses apply for identical commercial mortgages from the same lender. Both have three years of strong accounts. Both generate consistent profit. Both want to borrow £400,000 to purchase premises. Both can comfortably afford the repayments. Business A gets...
by Andy Bissett | Jul 1, 2026 | Uncategorised, Navigating Industry Challenges
Your accountant did exactly what you asked them to do. They structured your director remuneration to minimise tax liability. Modest salary around the National Insurance threshold. The balance extracted as dividends. Perhaps some pension contributions. Maybe a company...
by Andy Bissett | Jun 29, 2026 | Navigating Industry Challenges, Uncategorised
It’s mid-August. The phone’s quieter than usual. Project timelines have extended. Client meetings have thinned out. Most businesses find July and August slower. Which makes it the perfect time to do absolutely nothing about the fact that your lease expires...
